Working Capital
Keep cash flowing and never stall — flexible working-capital finance for day-to-day business needs, with interest charged only on the amount you actually use.
*Indicative. Limit and rate depend on turnover, security and lender.
Features & benefits
Overdraft & CC lines
Draw funds as needed up to a sanctioned limit, anytime.
Pay for what you use
Interest is charged only on the amount utilised — not the full limit.
Smooth cash flow
Bridge the gap between payments and receivables with ease.
For MSMEs & traders
Purpose-built for businesses with seasonal or cyclical needs.
Quick renewals
Lines are renewable, so funding stays available year on year.
Secured & unsecured
Choose the structure that suits your business and assets.
Who can apply
- An operating business with vintage of 1 year or more
- Healthy bank account turnover
- GST registered, where applicable
- Promoters aged between 21 and 65 years
- Satisfactory credit conduct
Documents required
KYC & registration
- PAN & Aadhaar of promoters
- GST & business registration
Financials
- 12 months’ bank statements
- ITR & financial statements
Get Instant Working Capital
with the LoanBandhu App
Apply, track and manage your loan from your phone. Coming soon to Android & iOS.
Questions, answered
What is working capital finance?
It’s funding for your day-to-day operations — buying stock, paying suppliers, managing payroll — usually as an overdraft or cash-credit line you can draw from as needed.
Do I pay interest on the full limit?
No. You pay interest only on the amount you actually use, which makes it very cost-efficient for fluctuating needs.
Is it secured or unsecured?
Both options exist. Secured lines (against stock, receivables or property) often carry lower rates; unsecured lines offer convenience. We’ll recommend the best fit.
Can the line be renewed?
Yes. Working-capital lines are typically renewable each year, keeping funds available as your business grows.
Keep your business moving.
Free, no-obligation guidance at the lowest possible rate.
Enquire about your Working Capital Loan
Share a few details and your dedicated Loan Bandhu calls you with the lowest-ROI offer. Free & no-obligation.
Thank you! 🎉
Your enquiry has reached us. Your dedicated Loan Bandhu will call you shortly. For anything urgent, call 95190 66658.